With my ERIE policy ALL my personal property is covered in the event of a loss (stolen) with a $100.00 deductible if I want a $0.00 deductible I would have to have it named on the policy and would cost nearly $400.00 for the $4500.00 of coverage desired So my friendly agent said make a list and photograph everything and save $300.00 a year, have fun, be careful, and send pics.